Watercraft Insurance

Watercraft Coverage

Protect your investment in your boat with Farmers Union’s watercraft insurance.

Our Watercraft Coverage Features:

  • Direct physical loss of your boat, motor, trailer, and equipment attached to the boat based on its value.
  • 10% limit included for direct physical loss to watercraft equpiment. (higher limits available)
  • Personal effects to $200, emergency service to $200, and salvage recovery. New watercraft are automatically covered for 45 days.
  • Liability coverage for bodily injuries or property damage limits up to $1 million.
  • Passengers medical expenses, first aid, defense attorney fees, and removal of sunken boat. Limits up to $5000.

Optional Watercraft Coverages:

  • Replacement cost coverage
  • Boat lifts


****All coverage is subject to policy terms and conditions, see you policy for details****